Accounts named
Mortgages, home equity, cards, auto, student, and personal credit
M&T also tells mailed applicants to identify the relevant loan or safe-deposit box. The exact account still controls eligibility.
Manufacturers and Traders Trust Company
M&T Bank
Quick answer
M&T Bank SCRA overview
M&T provides federal SCRA information and dedicated ways to contact its team. We have not confirmed an extra benefit from M&T.
Federal protections are separate from any additional benefit offered by a bank.
Request-process guide
M&T gives a dedicated team and four ways to deliver a written request.
M&T's public information is useful because it names the request, service evidence, covered account types, and destinations. It does not establish a special M&T rate below federal law.
What to send
Written request and active-duty orders
M&T lists both items for its document routes. Do not add unrelated identity records unless the bank asks through a secure process.
Submission
Branch, fax, mail, or bank-listed email
Those destinations accept the request. Ordinary email should be used only after the customer is comfortable with the bank's security instructions.
Questions
Dedicated SCRA Servicing phone
The domestic and international numbers connect to the servicing team during its published weekday hours; they are not document-upload channels.
Federal SCRA rule
Start with when the debt began.
Federal SCRA interest relief generally concerns qualifying debt from before military service. A bank's extra benefit can be broader or more generous, but it does not replace the federal eligibility test.
Open credit cards & borrowingContact M&T Bank
Choose the option that matches what you need.
Each option says exactly what the bank confirms it can do.
Branch
Full-service M&T branch
In-person delivery.
- Use for
- Mortgages and home equity, Credit cards, Auto loans, Student loans, Personal loans
- What the bank asks for
- written request
- active-duty orders
scraservicing@mtb.com
M&T lists this email for requests. Ask the bank about a secure way to send sensitive documents.
- Use for
- Mortgages and home equity, Credit cards, Auto loans, Student loans, Personal loans
Fax
1-888-378-8444
Fax written request and active-duty orders.
- Use for
- Mortgages and home equity, Credit cards, Auto loans, Student loans, Personal loans
- What the bank asks for
- written request
- active-duty orders
Mail a written request and active-duty orders.
- Use for
- Mortgages and home equity, Credit cards, Auto loans, Student loans, Personal loans
- What the bank asks for
- written request
- active-duty orders
Phone
1-855-350-SCRA (7272); international 302-934-4872
Call the SCRA team for help Monday–Friday, 8:30 a.m.–5 p.m. ET. The bank does not say this number accepts documents.
- Use for
- Mortgages and home equity, Credit cards, Auto loans, Student loans, Personal loans
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